sailing off into the sunset isn't all smooth sailing ya know...
sounds like a terrible idea. dockage can be more expensive than rent and you're bobbing up and down all the time. many people develop inner ear problems by the time they are old enough to retire. marinas are crowded and not liveaboard friendly. waterbugs, rats and snakes sneak onboard. to live cheaply on the hook, most retirees have neither the mechanical nor the survival skills to succeed in such a venture. living in a boat will just exaggerate your shortcomings and increase your frustrations. and how many people stay healthy into their retirement age?
have you ever watched 65-year-olds get out of their lounge chairs? now picture them climbing aboard. what happens to them in 10 years when their knees buckle? will they have the money to move back ashore? do you know how easy it is to twist an ankle on a boat? what do you do when you need an ambulance? most people are not well enough at retirement age to do any extended cruising. instead of retiring on a boat, such people would be better served by considering a nice landlubber's life in, say, texas for example.
edit: i forgot to add how unfriendly coastal communities have become to liveaboards. many are even trying to usurp ancient admiralty laws by restricting rights of navigation. and for all the freedoms & civil liberties for which baby boomers fought and of which they inherited & cherish, there is not even seach and seizure protection for liveaboards. community cops, shore patrol, coast guard, customs, all can enter your floating home without notice or even cause.
here are some current issues concerning liveaboards:
Stuart plans to pay boater, settle live-aboard lawsuit
Georgia Liveaboards Organization
Motion filed to declare waterways ordinance unconstitutional : Local Issues : Marco News